Southstar Bank, S.S.B.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southstar Bank, S.S.B. of Moulton, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.56% | 1.46% | +0.10% | 70th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.46% | 12.72% | -0.26% | 51st above |
| Net Interest Margin | 4.63% | 3.85% | +0.78% | 90th top |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 57.56% | 57.41% | +0.15% | 52nd above |
| PPNR / Avg Assets | 2.00% | 1.88% | +0.12% | 68th above |
| Yield on Earning Assets | 6.44% | 5.72% | +0.72% | 88th top |
| Cost of Funds | 1.99% | 2.02% | -0.03% | 52nd above |
| Net Interest Spread | 3.96% | 3.18% | +0.78% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 1.00% | -0.60% | 65th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.71% | 0.76% | -0.05% | 37th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 46th below |
| ACL / Total Loans | 0.72% | 1.31% | -0.59% | 9th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 178.56% | 543.55% | -364.99% | 50th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.74% | 7.39% | -0.65% | 36th below |
| Provision / NCO | 29.94% | 618.97% | -589.03% | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.28% | 11.44% | +1.84% | 87th top |
| Equity / Assets | 12.47% | 11.33% | +1.14% | 81st top |
| TCE / Tangible Assets | 12.47% | 10.50% | +1.97% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.61% | 86.95% | +5.66% | 36th below |
| Core Deposit Ratio | 83.67% | 85.56% | -1.89% | 30th below |
| Uninsured Deposit Ratio | 34.16% | 33.12% | +1.04% | 41st below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.89% | 5.70% | -0.81% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.32% | 9.68% | -1.36% | 69th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.62% | 8.06% | -0.44% | 62nd above |
| Deposit Growth (Y/Y) | 9.22% | 7.87% | +1.35% | 72nd above |
See Southstar Bank, S.S.B.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southstar Bank, S.S.B., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southstar Bank, S.S.B. profile, how to read a UBPR, or how this data updates.